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The Best Homeowners Insurance in Arizona [2023]

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Find a top-ranked Homeowners Insurance Agency in your area

Arizona isn’t just home to the Grand Canyon and beautiful deserts — it’s also home to over 7 million proud residents. If you’re looking to become a homeowner in Arizona, you’ll need to be prepared for more than the hot climate.

The state regularly experiences flooding, wildfires, and other severe weather, so you’ll want to ensure that you, your family, and your home are protected with the right insurance coverage.

Choosing the right provider isn’t easy, so we at Expertise.com have analyzed a handful of home insurance companies. We’ll discuss everything to know about homeowners insurance in Arizona, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Arizona

The average cost of homeowners insurance in Arizona is $2,224 per year according to Insurance.com, which compares favorably to the country’s $2,777 average. 

Although Arizona policyholders enjoy lower premiums than the rest of the country on average, your cost of homeowners insurance can vary significantly based on a few key factors:

  • The age of your home: Is your Arizona home older and more at risk of structural damage?

  • The square footage of your home: How big is your home? In general, larger homes come with more expensive insurance premiums.

  • The materials used to build your home: Was your Arizona home built using long-lasting materials? Are the materials susceptible to things like rotting or wear and tear?

  • Building costs in your area: Since insurance deals with repairs and replacement, coverage rates increase with higher building costs.

  • Your home’s location: What are crime rates like? How close are you to a fire department? Are you in a flood zone?

  • Any additional features: Does your house have a swimming pool or hot tub that could be hazardous for guests? Do you have pets, and if so, what are their breeds? Insurers may look at these factors as potential risks when assessing prices.

  • Your deductible: A higher deductible will lower your premiums, but you could pay more if you file a claim. Talk to your insurance provider about lowering deductibles to get the best plan that suits your budget.

  • Your claims history: If you’ve filed claims in the past, insurers may charge you higher coverage costs. If not, you may be eligible for discounts or a claims-free deductible.

Arizona Homeowners Insurance Rates by City

Arizona is the 6th largest state in the country and has some of the nation’s fastest-growing cities. Depending on where you live, homeowners insurance costs vary quite a bit.

Below is a breakdown of the average annual rate by city:

City

Average Annual Rate

Chandler

Flagstaff

Gilbert

Glendale

Mesa

Phoenix

Scottsdale

Tempe

Tucson

The Best Homeowners Insurance in Arizona

After extensive research, we at Expertise.com found the following insurance agencies to provide the best, comprehensive coverage in Arizona:

USAA logo

USAA


Average Annual Rate: ~$1,200

Notes: Best option for qualifying members (active military, veterans, and their families)

State Farm logo

State Farm


Average Annual Rate: ~$1,400

Notes: Largest carrier and great digital user experience, but higher than average customer complaints

Chubb logo

Chubb


Average Annual Rate: ~$1,600

Notes: More expensive but most comprehensive coverage and high customer satisfaction

Nationwide logo

Nationwide


Average Annual Rate: ~$1,350

Notes: Great for new homeowners but below average customer service scores

ASI Progressive

ASI Progressive


Average Annual Rate: ~$1,100

Notes: Most affordable option for those who need basic coverage, but low customer satisfaction

Cheapest Homeowners Insurance in Arizona

The cheapest homeowners insurance coverage in Arizona is ASI Progressive for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Of course, prices vary depending on each person’s unique scenario. Still, if cost is the most important factor for you, check ASI Progressive’s coverage options in Arizona first.

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Find Cheap Homeowners Insurance in Your Area

FAQs

Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Arizona specifically.

How to Reduce Homeowners Insurance Costs in Arizona

As we’ve pointed out, the price you pay for homeowners insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This helps reduce monthly costs to your insurer but could mean paying more out-of-pocket if you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will lower your monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save up to 10%-20% on your premiums in Arizona. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

    • Install impact-resistant windows. 

  • Nix the high-risk accessories. Check your home for items that are considered “high risk.” For example, if the kids are off to college, it could be time to remove that trampoline in the backyard.

  • Seek out other discounts. Some things to explore:

    • Do you work from home? Insurance providers may feel you’re less at risk of theft or may spot a fire or flood sooner.

    • If you’re retired, you may qualify for a discount. 

    • Does your employer offer a group deal?

    • Choosing paperless billing is an easy way to help you save.

    • Some insurers will offer you a loyalty discount if you keep a policy with them for multiple years.

  • Keep good credit. Insurers may consider a policyholder’s credit history and charge less if you show good financial strength and standing.

Be sure to consult your insurance agent to see which of the above discounts you qualify for.

Arizona Insurance Options in Your City

At Expertise.com, our goal is to connect Arizona residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 16 best homeowners insurance agencies here

Learn more about the best homeowners insurance options in your respective Grand Canyon State cities below: